About Us

What is a Credit Union?

Chartered in 1933, Northwest Missouri Regional Credit Union is a not-for-profit financial cooperative, owned, controlled, and operated for the benefit of its members. Since there are no outside stockholders to satisfy, the credit union can return a greater percentage of its income to you, the member-owner, in the form of higher rates on deposits and lower rates on loans.

Credit union members join together to build long-term financial stability and provide high quality, low-cost financial services.

Who Can Join?

Northwest Missouri Regional Credit Union is proud to serve the current students, alumni, employees, emeritus faculty, and retired teachers of the private and state schools in the Northwest Missouri State University district as described in Missouri statutes; any person who resides or works in Nodaway, Andrew, Atchison, Gentry, Holt, and Worth Counties; and immediate family members of the above listed groups.

Our membership also covers any employee or relatives and employee working at any of the school districts in 19 surrounding counties of Northwest Missouri: Andrew, Atchison, Buchanan, Caldwell, Carroll, Clay, Clinton, Daviess, DeKalb, Gentry, Grundy, Harrison, Holt, Livingston, Mercer, Nodaway, Platte, Ray, and Worth.  Any employee or relative of an employee working in any of the above counties qualify for membership also.

Family Membership

Northwest Missouri Regional Credit Union encourages family members to join. The benefits of credit union membership are not limited to you. The credit union is a wonderful place for your children to learn about savings, your brother or sister to get a low-cost loan, your parents to build their retirement nest egg, or to save for your grandchildren.

How Can I Join?

To become a member of Northwest Missouri Regional Credit Union, all that is needed is a deposit of at least $25.00 into your share account and a one-time membership fee of $1.00 This initial deposit establishes your membership/ownership in the credit union.

Once a Member, Always a Member

Once you are a member of the credit union, you remain a member for life–as long as you maintain a $25.00 balance (one share) in your share account.

Financial Security

Every dollar you invest in Northwest Missouri Regional Credit Union (up to $250,000) is fully insured by the National Credit Union Administration (NCUA), an agency of the federal government.

You can rest assured that there is no safer place for your hard-earned funds than a federally insured credit union.


Share (Savings) Account

Your share account can be opened with only $25.00 and represents your partial ownership of the credit union. Your share account works just like a regular passbook account, but as an owner you pay no monthly service charge and earn competitive dividends on balances over $100.

Children’s Share (Savings) Account

Northwest Missouri Regional Credit Union helps your children develop strong financial sensibilities. These new accounts for eligible members’ children to age 18 can be opened with only $1.00. Students over the age of 18 who are enrolled in school can also participate.

Membership Services

Share Draft (Checking) Account

Northwest Missouri Regional Credit Union offers you a truly simple alternative to traditional bank checking accounts. Our checking accounts feature a no minimum balance requirement, no service charge fees, no per transaction fees, and overdraft protection to those who qualify.

Payroll Deduction

It’s one of the easiest and safest ways to conduct your credit union business. Use payroll deduction to save money or make loan payments. You choose the amount you want deducted from your paycheck, and we will automatically deposit it to the accounts of your choice.

Direct Deposit

Direct Deposit saves time and worry as your entire net paycheck is deposited directly into your share or share draft (checking) account, ready for your use or to earn dividends. Paychecks or other recurring checks, such as social security or federal disbursements, are all handled with ease.

Low-Cost Loans

New & Used Auto

Visit the credit union before you visit your dealer to secure a pre-approved auto loan. At the credit union you will get a great rate with no hidden, costly extras or add-ons. Call us today for current rates and terms.


A share-secured loan uses your shares in the credit union as collateral. It’s the easy way to keep the money in your share account earning dividends while you are using the funds from the loan. Contact the credit union for our competitive rates and all the details.


Your signature is all that is needed to secure this loan. Amounts up to $5,000 at competitive rates are available, depending on your income and credit rating.


Use this loan for new purchases of appliances, computers, furniture, etc., or we can use the title of your vehicle to secure loans for personal usage of funds.


With Overdraft Protection, you’ll never bounce a check again. Loan amounts are available up to $500, based on credit worthiness.

Visa® Credit Card

With a credit card from Northwest Missouri Regional Credit Union, you’ll enjoy a low, fixed interest rate, no annual fee, 25-day interest free grace period on purchases, and no minimum finance charge. This is one credit card you’ll want to keep.

*Certain age restrictions and other requirements apply. Contact the credit union for more information.

Other Services

  • Wire Transfers
  • Western Union Transfers
  • Free Notary Service
  • Quarterly Newsletter
  • Discounted Amusement Park Tickets

Funds Availability and Truth-in-Savings disclosure

National Credit Union Administration website